Our agency works with many bars and restaurants across Wisconsin, and each year we see a number of claims. The good news is that many of these incidents can be prevented with the right precautions.
When we take on a new client, we complete a walk-through of the business to identify potential risks. In many cases, the insurance company will also send a loss control specialist to help uncover exposures and recommend improvements.
Here are 10 common issues we see and how addressing them can help reduce the risk of a major claim.
10. Cracked Sidewalks
Slips, trips, and falls are one of the most common and costly liability claims. Uneven or damaged sidewalks can create serious hazards, and claims can easily reach tens of thousands of dollars.
9. Slippery Floors
Grease and spills are common in restaurants and bars. Without proper cleaning procedures and flooring, these conditions can create unsafe environments for employees and customers.
8. Outdated Fire Extinguishers
Fire extinguishers must be regularly inspected and maintained. An outdated or unserviced extinguisher may not function properly in an emergency.
7. Open Flames Near Fryers
Placing open flames too close to deep fryers increases fire risk. This can often be resolved by adjusting equipment layout or installing a proper metal barrier.
6. Lack of Equipment Maintenance
Routine inspection and cleaning of cooking equipment is critical. Grease buildup is a leading cause of kitchen fires and should be addressed consistently.
5. Dirty Filters
Kitchen filters should be cleaned regularly, often weekly or more depending on usage. Grease buildup in filters can quickly lead to dangerous fire conditions.
4. Dirty Fryers
Fryers should be cleaned thoroughly, including underneath and surrounding areas. Neglecting fryer maintenance is a common source of fire risk.
3. Neglected Exhaust Systems
Exterior exhaust systems are often overlooked. Regular professional cleaning is important to prevent grease buildup, especially in hard-to-reach areas like rooftops.
2. No Fire Suppression Service Contract
Fire suppression systems require regular inspection and maintenance. Lapsed service contracts can lead to compliance issues and increased risk during a fire.
1. Improper Storage of Greasy Rags
Greasy rags can spontaneously combust if not stored properly. They should be kept in a sealed metal container with a tight-fitting lid to reduce fire risk.
Taking the time to address these common issues can help protect your business, employees, and customers.
If you are opening or currently operating a bar or restaurant, G2 Insurance Services can help you identify risks and make sure you have the right coverage in place. Call (262) 784-0644 to get started.